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Mortgages without a credit history Mortgage lenders accept borrowers without any credit history in certain circumstances. However, loan disbursement may take longer depending on your bank's processing. Taking an advance on your credit card is one possibility. For more details read our MoneySense Monetization policy. While reaching for a credit card at checkout is only a small behavioral change, finding the right card and using it wisely can have a big impact on personal finances and credit profiles in the long term. Check your credit report Review your credit report for accuracy, and immediately report any errors to the credit bureau or directly to your financial institution. Make the most of your college education today.